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Petition pressures City of Edinburgh Council to review clause affecting live music scene

Thursday, June 25, 2015

Live music venues in Edinburgh, Scotland are awaiting a review later this year on the 2005 licensing policy, which places limitations on the volume of amplified music in the city. Investigating into how the policy is affecting the Edinburgh music scene, a group of Wikinews writers interviewed venue owners, academics, the City of Edinburgh Council, and local band The Mean Reds to get different perspectives on the issue.

Since the clause was introduced by the government of the city of Edinburgh, licensed venues have been prohibited from allowing music to be amplified to the extent it is audible to nearby residential properties. This has affected the live music scene, with several venues discontinuing regular events such as open mic nights, and hosting bands and artists.

Currently, the licensing policy allows licensing standards officers to order a venue to cease live music on any particular night, based on a single noise complaint from the public. The volume is not electronically measured to determine if it breaches a decibel volume level. Over roughly the past year there have been 56 separate noise complaints made against 18 venues throughout the city.

A petition to amend the clause has garnered over 3,000 signatures, including the support of bar owners, musicians, and members of the general public.

On November 17, 2014, the government’s Culture and Sport Committee hosted an open forum meeting at Usher Hall. Musicians, venue owners and industry professionals were encouraged to provide their thoughts on how the council could improve live music in the city. Ways to promote live music as a key cultural aspect of Edinburgh were discussed and it was suggested that it could be beneficial to try and replicate the management system of live music of other global cities renowned for their live music scenes. However, the suggestion which prevailed above all others was simply to review the existing licensing policy.

Councillor (Cllr) Norma Austin-Hart, Vice Convenor of the Culture and Sport Committee, is responsible for the working group Music is Audible. The group is comprised of local music professionals, and councillors and officials from Edinburgh Council. A document circulated to the Music is Audible group stated the council aims “to achieve a balance between protecting residents and supporting venues”.

Following standard procedure, when a complaint is made, a Licensing Standards Officer (LSO) is dispatched to investigate the venue and evaluate the level of noise. If deemed to be too loud, the LSO asks the venue to lower the noise level. According to a document provided by the City of Edinburgh Council, “not one single business has lost its license or been closed down because of a breach to the noise condition in Edinburgh.”

In the Scotland Licensing Policy (2005), Clause 6.2 states, “where the operating plan indicates that music is to be played in a premises, the board will consider the imposition of a condition requiring amplified music from those premises to be inaudible in residential property.” According to Cllr Austin-Hart, the high volume of tenement housing in the city centre makes it difficult for music to be inaudible.

During the Edinburgh Festival Fringe during the summer, venues are given temporary licences that allow them to operate for the duration of the festival and under the condition that “all amplified music and vocals are controlled to the satisfaction of the Director of Services for Communities”, as stated in a document from the council. During the festival, there is an 11 p.m. noise restriction on amplified music, and noise may be measured by Environmental Health staff using sophisticated equipment. Noise is restricted to 65dB(A) from the facades of residential properties; however, complaints from residents still occur. In the document from the council, they note these conditions and limitations for temporary venues would not necessarily be appropriate for permanent licensed premises.

In a phone interview, Cllr Austin-Hart expressed her concern about the unsettlement in Edinburgh regarding live music. She referenced the closure of the well-known Picture House, a venue that has provided entertainment for over half a century, and the community’s opposition to commercial public bar chain Wetherspoon buying the venue. “[It] is a well-known pub that does not play any form of music”, Cllr Austin-Hart said. “[T]hey feel as if it is another blow to Edinburgh’s live music”. “[We] cannot stop Wetherspoon’s from buying this venue; we have no control over this.”

The venue has operated under different names, including the Caley Palais which hosted bands such as Queen and AC/DC. The Picture House opened in 2008.

One of the venues which has been significantly affected by the licensing laws is the Phoenix Bar, on Broughton Street. The bar’s owner, Sam Roberts, was induced to cease live music gigs in March, following a number of noise complaints against the venue. As a result, Ms Roberts was inspired to start the aforementioned petition to have Clause 6.2 of the licensing policy reviewed, in an effort to remove the ‘inaudibility’ statement that is affecting venues and the music scene.

“I think we not only encourage it, but actively support the Edinburgh music scene,” Ms Roberts says of the Phoenix Bar and other venues, “the problem is that it is a dying scene.”

When Ms Roberts purchased the venue in 2013, she continued the existing 30-year legacy established by the previous owners of hosting live acts. Representative of Edinburgh’s colourful music scene, a diverse range of genres have been hosted at the venue. Ms Roberts described the atmosphere when live music acts perform at her venue as “electric”. “The whole community comes together singing, dancing and having a party. Letting their hair down and forgetting their troubles. People go home happy after a brilliant night out. All the staff usually join in; the pub comes alive”. However licensing restrictions have seen a majority of the acts shut down due to noise complaints. “We have put on jazz, blues, rock, rockabilly, folk, celtic and pop live acts and have had to close everything down.” “Residents in Edinburgh unfortunately know that the Council policy gives them all the rights in the world, and the pubs and clubs none”, Ms Roberts clarified.

Discussing how inaudibility has affected venues and musicians alike, Ms Roberts stated many pubs have lost profit through the absence of gigs, and trying to soundproof their venue. “It has put many musicians out of work and it has had an enormous effect on earnings in the pub. […] Many clubs and bars have been forced to invest in thousands of pounds worth of soundproofing equipment which has nearly bankrupted them, only to find that even the tiniest bit of noise can still force a closure. It is a ridiculously one-sided situation.” Ms Roberts feels inaudibility is an unfair clause for venues. “I think it very clearly favours residents in Edinburgh and not business. […] Nothing is being done to support local business, and closing down all the live music venues in Edinburgh has hurt financially in so many ways. Not only do you lose money, you lose new faces, you lose the respect of the local musicians, and you begin to lose all hope in a ‘fair go’.”

With the petition holding a considerable number of signatures, Ms Roberts states she is still sceptical of any change occurring. “Over three thousand people have signed the petition and still the council is not moving. They have taken action on petitions with far fewer signatures.” Ms Roberts also added, “Right now I don’t think Edinburgh has much hope of positive change”.

Ms Roberts seems to have lost all hope for positive change in relation to Edinburgh’s music scene, and argues Glasgow is now the regional choice for live music and venues. “[E]veryone in the business knows they have to go to Glasgow for a decent scene. Glasgow City Council get behind their city.”

Ms Martina Cannon, member of local band The Mean Reds, said a regular ‘Open Mic Night’ she hosted at The Parlour on Duke Street has ceased after a number of complaints were made against the venue. “It was a shame because it had built up some momentum over the months it had been running”. She described financial loss to the venue from cancelling the event, as well as loss to her as organiser of the event.

Sneaky Pete’s music bar and club, owned by Nick Stewart, is described on its website as “open and busy every night”.”Many clubs could be defined as bars that host music, but we really are a music venue that serves drinks”, Mr Stewart says. He sees the live music scene as essential for maintaining nightlife in Edinburgh not only because of the economic benefit but more importantly because of the cultural significance. “Music is one of the important things in life. […] it’s emotionally and intellectually engaging, and it adds to the quality of life that people lead.”

Sneaky Pete’s has not been immune to the inaudibility clause. The business has spent about 20,000 pounds on multiple soundproofing fixes designed to quell complaints from neighboring residents. “The business suffered a great deal in between losing the option to do gigs for fear of complaints, and finishing the soundproofing. As I mentioned, we are a music business that serves drinks, not a bar that also has music, so when we lose shows, we lose a great deal of trade”, said Mr Stewart.

He believes there is a better way to go about handling complaints and fixing public nuisances. “The local mandatory condition requiring ‘amplified music and vocals’ to be ‘inaudible’ should be struck from all licenses. The requirement presupposes that nuisance is caused by music venues, when this may not reasonably be said to be the case. […] Nuisance is not defined in the Licensing Act nor is it defined in the Public Health Act (Scotland) 2008. However, The Consultation on Guidance to accompany the Statutory Nuisance Provisions of the Public Health etc (Scotland) Act 2008 states that ‘There are eight key issues to consider when evaluating whether a nuisance exists[…]'”.

The eight key factors are impact, locality, time, frequency, duration, convention, importance, and avoidability. Stewart believes it is these factors that should be taken into consideration by LSOs responding to complaints instead of the sole factor of “audibility”.He believes multiple steps should be taken before considering revocation of licenses. Firstly, LSOs should determine whether a venue is a nuisance based on the eight factors. Then, the venue should have the opportunity to comply by using methods such as changing the nature of their live performances (e.g. from hard rock to acoustic rock), changing their hours of operation, or soundproofing. If the venue still fails to comply, then a board can review their license with the goal of finding more ways to bring them into compliance as opposed to revoking their license.

Nick Stewart has discussed his proposal at length with Music is Audible and said he means to present his proposal to the City of Edinburgh Council.

Dr Adam Behr, a music academic and research associate at the University of Edinburgh who has conducted research on the cultural value of live music, says live music significantly contributes to the economic performance of cities. He said studies have shown revenue creation and the provision of employment are significant factors which come about as a result of live music. A 2014 report by UK Music showed the economic value generated by live music in the UK in 2013 was £789 million and provided the equivalent of 21,600 full time jobs.

As the music industry is international by nature, Behr says this complicates the way revenue is allocated, “For instance, if an American artist plays a venue owned by a British company at a gig which is promoted by a company that is part British owned but majority owned by, say, Live Nation (a major international entertainment company) — then the flow of revenues might not be as straightforward as it seems [at] first.”

Despite these complexities, Behr highlighted the broader advantages, “There are, of course, ancillary benefits, especially for big gigs […] Obviously other local businesses like bars, restaurants and carparks benefit from increased trade”, he added.

Behr criticised the idea of making music inaudible and called it “unrealistic”. He said it could limit what kind of music can be played at venues and could force vendors to spend a large amount of money on equipment that enables them to meet noise cancelling requirements. He also mentioned the consequences this has for grassroots music venues as more ‘established’ venues within the city would be the only ones able to afford these changes.

Alongside the inaudibility dispute has been the number of sites that have been closing for the past number of years. According to Dr Behr, this has brought attention to the issue of retaining live music venues in the city and has caused the council to re-evaluate its music strategy and overall cultural policy.

This month, Dr Behr said he is to work on a live music census for Edinburgh’s Council which aims to find out what types of music is played, where, and what exactly it brings to the city. This is in an effort to get the Edinburgh city council to see any opportunities it has with live music and the importance of grassroots venues. The census is similar to one conducted in Victoria, Australia in 2012 on the extent of live music in the state and its economic benefit.

As for the solution to the inaudibility clause, Behr says the initial step is dialogue, and this has already begun. “Having forum discussion, though, is a start — and an improvement”, he said. “There won’t be an overnight solution, but work is ongoing to try to find one that can stick in the long term.”

Beverley Whitrick, Strategic Director of Music Venue Trust, said she is unable to comment on her work with the City of Edinburgh Council or on potential changes to the inaudibility clause in the Licensing Policy. However, she says, “I have been asked to assess the situation and make recommendations in September”.

According to The Scotsman, the Council is working toward helping Edinburgh’s cultural and entertainment scene. Deputy Council Leader Sandy Howat said views of the entertainment industry needs to change and the Council will no longer consider the scene as a “sideline”.

Senior members of the Council, The Scotsman reported, aim to review the planning of the city to make culture more of a priority. Howat said, “If you’re trying to harness a living community and are creating facilities for people living, working and playing then culture should form part of that.”

The review of the inaudibility clause in the Licensing Policy is set to be reviewed near the end of 2016 but the concept of bringing it forward to this year is still under discussion.

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Frbiz.Com Reports Sichuan Changhong To Give Up Air Conditioning Business To Avoid Intra Industry Com

Frbiz.com Reports Sichuan Changhong to give up air conditioning business to avoid intra-industry com

by

heiyou

Sichuan Changhong Electric (600839, closing price of 4.85 yuan) today issued a public notice that the board examined and approved the transfer of company ownership means the listing to sell holdings of Sichuan Changhong Air Conditioning Co., Ltd. (hereinafter referred to as Changhong air conditioning) 100% equity and Zhongshan Changhong Electric Co., Ltd. ( hereinafter referred to as Zhongshan Changhong) 90% stake. The transfer of issues need not be submitted to shareholders for its consideration. Company will receive the state-owned asset-management division after the approval and filing procedures for fulfilling a specific listing.

To avoid intra-industry competition

In its announcement, the company said, according to company’s strategic development needs, in order to avoid holding subsidiaries and Meiling Electrical (000521, closing 6.81 million) in the white power industry there is the potential to compete with the industry to fulfill the acquisition Meiling appliances, the commitments made by agree that the state-owned asset management company under the relevant provisions of the transfer means to transfer the listing of property rights held by the 100% stake in Sichuan Changhong air conditioner (including the company held 99% directly owned subsidiary of Sichuan Changhong equity and Innovation Investment Co., Ltd. holds 1% stake in ), and Zhongshan Changhong 90% stake.

Announcements, Changhong air conditioner is mainly engaged in domestic air-conditioning business, research and development, production and sales. As of June 30, 2009, Changhong air-conditioned with total assets of 5.91 billion, total liabilities of 289 million, equity 3.02 billion in the first half of 2009, Changhong air-conditioning to achieve operating income of 699 million yuan, operating profit of 5.9965 million yuan, net profit of 3.6031 million yuan. To June 30, 2009 as the base, Changhong air conditioner 302 million book value of equity to assess the value of 290 million yuan to assess the value of -1108.15 million, value-added rate of -3.67%.

[youtube]http://www.youtube.com/watch?v=n2ipNar6koM[/youtube]

Zhongshan Changhong air conditioner is mainly engaged in the business of overseas R & D, production and sales. As of June 30, 2009, Zhongshan Changhong’s total assets of 3.32 billion, total liabilities of 245 million, equity of 86.834 million yuan, Zhongshan Changhong first half of 2009 to achieve revenues of 146 million, operating profit of 3.2537 million yuan, net profit of 2.5233 million yuan. To June 30, 2009 as the base date, Zhongshan Changhong equity book value of 86.834 million yuan to assess the value of 114 million to assess the value of 27.1486 million yuan, value-added rate of 31.26%.

Sharp drop in air-conditioning business

In fact, Guotai Junan analyst Wang Zhen in the analysis when semi-annual report, Sichuan Changhong said: “Sichuan Changhong’s air-conditioning business is likely to be a loss.” Analysts believe that perhaps the rush to sell its air-conditioning, Sichuan Changhong, one of the reasons the company.

Sichuan Changhong semi-annual report published in 2009 showed that the first half operating income of 13.277 billion yuan, net profit of 030 million yuan, down 22.56% year on year, of which the contribution Meiling Electrical 6.57 million yuan, China intended to contribute 13.75 million yuan compression, the National Rainbow Communications contributed 32.17 million yuan, while the parent company has a loss of 46.8 million yuan. This shows that mobile phones, white and the upper reaches of compressor is the main source of profits, but the urgent need to improve the profitability of TV business.

Wang Zhen pointed out that Sichuan Changhong semi-annual report point of view, white drop is relatively small, mainly due to Meiling refrigerator. White income was 2.957 billion yuan, down 10.37 percent year on year; of these Meiling refrigerator income of 2.43 billion yuan, an increase of 9.1%, gross margin reached 29.4%. According to estimates, air-conditioning revenue declined more than 50%, gross margin fell ultra-80%, gross margin was only 11.8%. Therefore, Wang Zhen that the air-conditioning business is most likely a loss.

Although the above proposed transfer of two listed companies have a profit, but profitability is not good. Thus, some analysts believe that Sichuan Changhong to Meiling Electrical more profitable, but has abandoned its traditional air-conditioning company.

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Gulf Air launches direct flights to the Middle East from Dublin

Sunday, July 17, 2005

Middle Eastern carrier Gulf Air has announced it is to provide direct flights from Dublin, Ireland to its hub in Manama, Bahrain from December three times a week. This is the first ever scheduled long haul route from Ireland not to North America.

Gulf Air, which is owned jointly by the Kingdom of Bahrain, the Sultanate of Oman and the Emirate of Abu Dhabi, will commence service using an Airbus A330 on the 2nd December 2005.

Gulf Air is hoping travellers will use the service as a gateway to Asia, Africa and Oceania. Previously most travellers went via Paris and London to reach destinations not served by a direct link.

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Three earthquakes hit off New Zealand’s coastal areas, residents warned to avoid coast

Sunday, March 7, 2021

On Friday, after three earthquakes hit near both the Kermadec Islands and about 105 km off New Zealand’s east coast, people across New Zealand were instructed by the government to stay away from beach and shore areas.

The first earthquake hit at 2:27 AM local time at a depth of 10km, and registered 7.1 according to Radio New Zealand. It was felt across the North Island and parts of the South Island. Two 7.4 and 8.1 earthquakes were recorded near the Kermadec Islands by New Zealand’s National Emergency Management Agency (NEMA). Radio New Zealand reported more than a dozen aftershocks, some as strong as 5.4, were recorded.

NEMA had issued a warning around 9:45 AM there was a land and marine threat and flooding was expected on the Northland coast from Cape Reinga to Whang?rei and Ahipara, as well as New Zealand’s East Coast from Matata to Tolaga Bay. However, this advice was later revised. At 2:48 PM, the tsunami warning was cancelled. The newer notifications mentioned “Strong and unusual currents and unpredictable surges will continue for up to another 24 hours”, and residents were instructed to “remain vigilant and take extra precautions”.

On Instagram, New Zealand Prime Minister Jacinda Ardern posted “Hope everyone is OK out there – especially on the East Coast who would have felt the full force of that earthquake”. Minister for Emergency Management Kiri Allan stated in a press conference all of ?p?tiki had been evacuated, and “people have done the right things in the regions by picking up and packing up and staying calm.”

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Minn Kota Trolling Motors

By Ted Koppel

Whether it is the primary or secondary form of propulsion on an angler’s boat, a trolling motor is a self-contained unit that can be lifted up out of the water when not in use. There are times when it is connected to the bow – and sometimes to the stern. It has various uses . When used as a secondary form of propulsion, it’s used for trolling for game fish and usually mounted on the transom next to the primary motor. It allows for more precise positioning of the boat so that the person fishing can cast the bait where the fish are located

Trolling motors are generally designed with a DC electric motor that uses 12-volt deep cycle batteries for power. The motors are sealed into a watertight box at the end of a shaft and are submerged when operating . Tiller steering is most common, with speed control normally located on the top of the unit. Trolling motors controlled by hand attach to the boat with clamps.

For smaller watercraft like canoes and kayaks, trolling motors may be used as a primary source of automatic propulsion. Minn Kota, a company based in Racine, Wisconsin, is one brand of trolling motors. The company makes both fresh water and salt water motors in over a dozen different models, all of which have engine shafts made of composite materials designed for long wear. Minn Kota trolling motors for salt water are made with materials that resist salt water corrosion.

[youtube]http://www.youtube.com/watch?v=Mv-LrxSiCno[/youtube]

Minn Kota also makes the i-Pilot, which is a GPS-based control system for some of its trolling motors. It utilizes GPS technology for navigation and locating that does not require hands-on operation. Available on certain Terrova and Riptide models, it has cruise control and a feature that allows fishermen to record a fishing track of up to two miles and store it in memory so that it can be precisely retraced on a later fishing trip.

The Riptide series of trolling motors are saltwater trolling motors made for the harsh conditions of saltwater immersion. Any metal-on-metal interfaces feature composite bushings for isolation, which reduces wear and makes the motor very quiet. The tiller steering system is customizable in terms of tilt angle and length. And they offer the Lift-Assist gas-charged spring which is built-in with the bow mount, which makes it easier to lift the motor in and out of the water.

The Traxxis is a transom-mounted freshwater trolling motor from Minn Kota, with features designed to assist in deploying, stowing, steering, and depth adjustment. Transom motors have somewhat of a reputation for being difficult to operate, but the Traxxis is designed for one-hand stowing with no push buttons or release levers. Like the Riptide versions , the tiller steering is adjustable in terms of handle angle and length. It also has a cam lock depth adjustment which is unlike the more typical tension knob depth control. It features the Traxxis’ depth to be precisely fixed , without slipping.

A high quality trolling motor like those produced by Minn Kota can make the difference between a successful day on the water and a disappointing one. By allowing fishermen to accurately and quietly maneuver to where the fish are, the motors make angling a more precise and enjoyable pastime.

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Fire kills eleven at oil worker housing in Alkhobar, Saudi Arabia

Monday, August 31, 2015

A fire in the eastern Saudi city of Alkhobar tore through a housing complex for oil workers yesterday, killing eleven, according to civil officials.

The Radium complex is rented by oil firm Aramco for their employees. According to nearby resident Mohammed Siddique the fire broke out early in the morning. Siddique says the building contains locals, as well as Westerners and Asians. The cause is unclear but the civil defence ministry tweeted “Cars and furniture caught fire in the basement of one of the towers”.

Over 200 people were injured. Firefighters scaled the burning tower on ladders, and helicopters were on-scene. Other towers in the complex were evacuated. Thick smoke from the blaze complicated rescue efforts.

Aramco CEO Amin H. Nasser said the firm is “deeply saddened to learn of the fatalities and injuries. We offer heartfelt condolences to the families. Our immediate priority is to provide full support to those affected by this tragic incident.” Aramco, which produces and exports more crude oil than any competitor worldwide, say the fire is under investigation.

Retrieved from “https://en.wikinews.org/w/index.php?title=Fire_kills_eleven_at_oil_worker_housing_in_Alkhobar,_Saudi_Arabia&oldid=3851298”

Italian goalkeeper Carlo Cudicini seriously injured in motorcycle accident

Friday, November 13, 2009

Italian goalkeeper Carlo Cudicini has been seriously injured in a motorcycle accident in London. The player, who plays for Tottenham Hotspurs, was involved in a collision with a car at 10:30 GMT. The football club reported that he has fractured his wrists and injured his pelvis.

A spokesperson for the Metropolitan Police released a statement saying “A 36-year-old male suffered injuries described by the London Ambulance Service as possibly life-changing and was taken to Whipps Cross Hospital for further assessment and treatment”. No arrests have been made.

Cudicini crashed his motorcycle into a Ford Fiesta with a female driver and a child passenger. Neither the driver or passenger were injured in the accident.

Cudicini is the son of former AC Milan goalkeeper Fabio Cudicini. During his career he has played for Lazio, AC Milan and Chelsea. He played for Chelsea for 10 years until he was transferred to Tottenham in January. He made one appearance for the Italian national team.

Retrieved from “https://en.wikinews.org/w/index.php?title=Italian_goalkeeper_Carlo_Cudicini_seriously_injured_in_motorcycle_accident&oldid=1241053”

How To Select An Air Conditioning System

Submitted by: Adam Zebrewski

How do you decide what to choose when you need a new air conditioning system? What are the best brands? Which have the lowest operating costs. It is actually more important to have the right buying process, instead of worrying so much about the getting the right brand.

Surprisingly, the government model is actually the best way to buy a system. You want to set up a bidding process where you get 4-6 heating and air conditioning companies to quote on the job. The Better Business Bureau is a great place to look for suitable companies. They should have at least 10 years experience.

Any half-way decent company will give you a free estimate. Let them know they will be bidding against other companies. Make sure you do not tell them what the other companies bid amounts are. You can explain that you are going to award the job to the highest value bidder – which means the most for the least. If they are intent on selling you a particular system, have them explain why it is the best.

The truth is that the well known name systems out there are somewhat comparable in quality. No system will run forever, though. Plan on future maintenance by getting a system that has standardized parts. If it has specialized parts, it is going to be more difficult and more costly to repair. Also, your future repairman may have limited experience with specialized parts. You want him working with the same thing he is used to every day.

[youtube]http://www.youtube.com/watch?v=2wZb6HgIDE0[/youtube]

Trane and Rheem are thought to be top of the line. Well designed, Rheem units are reliable and simple for most technicians. You can expect top quality workmanship. Trane, too, is a wonderful system. Unfortunately, it typically carries a premium price. This may be reduced with the bidding system in place. If you really want a Trane, then ask all the companies to quote Trane.

The ICP Group (United Technologies) makes Carrier units. These same people also make ComfortMaker, Day&Night, Bryant and Payne. You can expect Paine to be the lowest priced unit. It is considered a builders grade. All of the systems from this manufacturer are more or less reliable, though make sure that the unit you buy has standard parts.

It will make all the difference down the road.

Amana has taken over the production of Goodman Air Conditioners. Because of a less than perfect record in the past, Goodman has a great price and now there units are very solid.

You may also consider Lennox, Nordyne and York. These brands are fine.

Your real concern, however, should be who will install your unit and how will they do it. Even the top-of-the-line unit will not operate properly if it is not installed correctly. Once you have narrowed your bidders down to 2, make sure you find out how qualified the actual installers are. What is their training? What is their experience? For the money you are about to spend, it is more than fair for you to ask these questions.

Units must be installed correctly. It is easy and convenient to cut corners. A few shortcuts will cost you dearly in the long run, so make sure you are comfortable with the people who will actually do the work.

You can expect to pay around $5000 for a system to heat and cool a typical American 3 bedroom home. A real money-saving secret is to allow the use of a “scratch and dent” unit – as long as the complete warranty will still be valid. Let the

contractors who are bidding know that you would be ok with this.

So here is the plan: Get qualified bidders, tell them the specifics of what you would accept, get their quotes and narrow down to 2 for the final decision. Make your final decision based on the quality of the installers. You will be on your way to having a great unit installed at the right price.

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Wikinews interviews biologist Chris Simon about periodical cicadas

Wednesday, June 12, 2013

In May, periodical cicadas with 17 years life cycle emerged on the East Coast of the USA after underground development as juveniles since 1996. Researchers and scientists worked to map and study the rare wave, and the locals prepared for the noisy event. First recorded in 1666, the Magicicada septendecim species recently emerged in 1979, 1996, this year, with a next wave due in 2030.

This week, Wikinews interviewed Chris Simon, an ecology and evolutionary biologist at University of Connecticut, about the cicadas.

((Wikinews)) What caused your initial interest in periodical cicadas?

Chris Simon: As an undergraduate student, I was interested in the formation of species so when I went to graduate school I looked for a study organism that was likely to be in the process of forming new species. I chose periodical cicadas because they are broken up into reproductively isolated broods (or year classes). Reproductive isolation leads to speciation so I planned to study biochemical differences among the broods.

((WN)) You study the emergence of the periodical cicadas. What do you study? What observations are you making?

CS: We record exactly where each cicada population emerges (using GPS automated mapping and crowd sourcing). We record the presence or absence of each of the three morphologically distinct species groups of periodical cicadas (Decim group, Cassini group, and Decula group). We collect specimens for DNA analysis. We look for cicadas coming up one and four years early and late. We dig up cicada nymphs and monitor their growth rates.

((WN)) What equipment do you use?

CS: Nets, shovels, automated GPS recorders, cameras, laptop computers, automated DNA sequencers.

((WN)) Do you study the periodical cicadas with anyone else? What is their role?

CS: Yes, there are a large number of people studying periodical cicadas in my lab and in other labs. My lab is made up of Research Scientists, Postdoctoral Researchers, a technician, graduate students, and undergraduates. Research Scientist John Cooley is the leader of the GPS mapping project; he invented the automated GPS recorder; he built our crowd-sourcing website, and he is instrumental in public outreach. Postdoctoral research David Marshall also participates in the mapping project and leads the part of the research related to the mapping of stragglers. John and Dave and Technician Kathy Hill all study periodical cicada mating behavior and conduct mating and hybridization experiments. One of my graduate students Beth Wade has participated in the nymph collections and will soon start genetic work involving genome wide association mapping designed to locate genes related to life cycle. My graduate student Russ Meister is studying the genes of the bacterial endosymbionts of cicadas. My current undergraduate honors student Erin Dwyer is also studying the development of Magicicada nymphs and is helping to design a lab exercise for college students around the eastern US to do the same. Many of my past undergraduate students have studied the biochemical genetics and development of periodical cicadas. See the Simon Lab website.
CS: We are collaborating with Teiji Sota at the University Kyoto and Jin Yoshimura at Shizuoka University in Japan. They are studying the phylogeography of Magicicada. We are collaborating with John McCutcheon of the University of Montana who is studying the endosymbiont genomes.
CS: We are also collaborating with ecologists Rick Karban and Louie Yang, both professors at UC Davis who have an interest in cicada population dynamics and nutrient cycling in the ecosystem.

((WN)) You studied the periodical cicadas in 1979 and 1996 too. What changes with time?

CS: I have studied periodical cicadas since I was a student back in 1974. What changes with time is increased human development constantly shrinking the patch size of cicada populations.

((WN)) What are your thoughts on the long life span of the periodical cicadas? Why could it be so? What advantages and what disadvantages does it have?

CS: Most or all cicadas have long life cycles compared to your typical annual insect. Examples have been found of two-year to 9-year cycles in different species. Periodical cicadas evolved an even-longer life cycle and I think that part of this relates to the evolution of their synchronized life cycles and peculiar safety-in-numbers strategy for survival. To become synchronized, periodical cicadas had to evolve an exact length life cycle and all adults would have to appear in the same year. Because the nymphs grow at different rates underground, a longer life cycle and a way of counting years must have evolved so that the individuals that get to the last nymphal (underground juvenile) stage first would wait long enough for all other individuals in the population to become ready to emerge.

((WN)) News reports mention this is ‘Brood II’ of the periodical cicadas. What are the distinctive features of this specific species and what is its full scientific name?

CS: The same species exist in multiple broods. No species is restricted to Brood II. The three species present in Brood II are: Magicicada septendecim, M. cassini, and M. septendecula. These same three species are found in every 17-year brood (except the farthest north which only has M. septendecim).

((WN)) At what depth do the cicadas juveniles live underground?

CS: Most live within the top foot of soil but some have been found deeper. We do not know if they go deeper in winter. We need to do much more digging to understand the nymphs.

((WN)) How do people prepare for the cicada emergence?

CS: Of course various people prepare in different ways. Ideally, everyone prepares by studying information available on the web (especially on our websites Magicicada Central and Magicicada.org).

((WN)) Do cicadas affect transport in the local area?

CS: No, not really. Occasionally individuals can be seeing flying across highways and sometimes they smash into cars.

((WN)) Do cicadas usually stay outside or do they also invade houses too?

CS: They stay outside. One might accidentally fly in through an open window but that would be rare.

((WN)) What do the cicadas eat?

CS: Cicadas suck xylem fluid (the watery fluid coming up from the roots of plants) in deciduous forest trees and herbs. Essential amino acids in the cicada diet are supplied by their bacterial endosymbionts. There are two species of endosymbionts. One makes 8 essential amino acids and one makes two essential amino acids.

((WN)) Do cicadas damage crops or city vegetation? What damage?

CS: Cicadas do not chew leave so they do not damage crops like other insects. They can inflict some damage by their egg laying. Cicadas lay eggs in pencil-sized tree branches. If there are not enough branches available, too many female cicadas may lay eggs in a single branch weakening it and making it susceptible to breakage by wind. This can sometimes cause damage in fruit orchards. If the branches break, the eggs die so this behavior is selected against by natural selection.

((WN)) Thank you.

CS: You’re welcome. I am happy to have this opportunity to communicate with your readers!
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Bank of America leads Consumer Financial Protection Bureau complaints about mortgages

Thursday, October 3, 2013

A review this week by Wikinews of US Consumer Financial Protection Bureau (CFPB) complaints about mortgages in the United States shows Bank of America leads all lending institutions in complaints.

Since mortgages complaints were recorded in December 2011, 77,622 total have been added to CFPB’s database. 29.2% of these complaints involved Bank of America, with the second most received by Wells Fargo, accounting for 15.5% of all complaints. JPMorgan Chase ranked third by volume of complaints with 9.8%. Ocwen was fourth with 8.7% and Citibank was fifth with 4.8%. Nationstar Mortgage; Green Tree Servicing, LLC; HSBC; PNC Bank; U.S. Bancorp; OneWest Bank; SunTrust Bank; Flagstar Bank; and Select Portfolio Servicing, Inc. each had between 1.0 and 3.8% of total complaints. The remaining 14.4% of all complaints about consumer mortgages were divided between about 530 other lending institutions.

The Motley Fool reported last month that for the past fiscal quarter, the biggest US based mortgage lenders were from first to fifth Wells Fargo, JPMorgan Chase, Bank of America, Quicken Loans and U.S. Bancorp.

According to the US Federal Reserve, debt for family residences stands at US$10.706 trillion for the second quarter of 2013. As of the end of June of this year, Bank of America is the United States’s second largest commercial bank with US$1.343 trillion in domestic assets. Wells Fargo is the fourth largest commercial bank with US$1.251 trillion in domestic assets. JPMorgan Chase is the largest US commercial bank with US$1.329 trillion in domestic assets and US$1.947 trillion in total assets.

The mortgage complaints in the CFPB report include several subproducts. Conventional fixed mortgages account for 27.1% of all complaints. Conventional adjustable mortgages account for 10.0%. FHA mortgages account for 7.7% of all complaints. Home equity loans or lines of credit account for 3.8% of all complaints. VA mortgages are 1.4% of all complaints. Second mortgages and reverse mortgages each account for 0.6% of complaints. The remaining 48.7% of complaints are about other mortgages or other mortgage issues. A few years ago, FHA loans accounted for about 10% of all US mortgages while VA loans accounted for about 3%. Prime loans accounted for over 75% of the market and the rest were subprime mortgages.

California leads all states by volume of complaints with 14768. It is followed by Florida, New York, Georgia and Texas. When complaints are divided by a state’s total population, New Hampshire leads. The state is followed by Washington D.C., Maryland, Georgia and Florida. Complaints do not correlate with national rankings for August’s foreclosure rate by state where Nevada topped the list, followed by Florida, Ohio, Maryland and Delaware.

Two zip codes account for over 1,000 total complaints between them. 565 complaints originated in the 48382 zip code, which is in Commerce Township, Michigan, located in suburban Detroit. 553 complaints originated in the 33071 zip code, in Coral Springs, Florida. According to real estate website Zillow, there are currently 1,033 properties in foreclosure in Coral Springs while Commerce Township only has 131 properties currently in foreclosure. Four other zip codes have 100 plus complaints originating from them. 91730, in Rancho Cucamonga, California, had 158 complaints. 33409, in West Palm Beach, Florida, had 132. 92626, in Costa Mesa, California, had 125 complaints. 92660, in Newport Beach, California, had 122 complaints. Respectively, the towns had 534, 1,068, 153, and 134 properties currently in foreclosure. These numbers are higher than for the cities of a few sampled zip codes where there was only one complaint, such as Gold Hill, Oregon which has 4 properties in foreclosure, and Decatur, Illinois which has 6 properties in foreclosure.

The CFPB categorizes complaints into six categories: “Loan modification, collection,foreclosure” or problems when a person is unable to pay; “Loan servicing, payments, escrow account” or problems with making a payment; “Application, originator, mortgage broker”; “Credit decision / Underwriting”; “Settlement process and costs”, and “Other”. The CFPB says the complaint types indicate consumers “appear to be driven by a desire to seek agreement with their companies on foreclosure alternatives. The complaints indicate that consumer confusion persists around the process and requirements for obtaining loan modifications and refinancing, especially regarding document submission timeframes, payment trial periods, allocation of payments, treatment of income in eligibility calculations, and credit bureau reporting during the evaluation period.” Currently, 59.6% of all complaints against lenders deal with being unable to pay. 25.1% deal with problems in making a payment. 7.0% have to do with the application process.

Of the complaint-heavy zip codes, for 48382 in Commerce Township, Michigan, 98.9% of all complaints have to deal with being unable to pay. Accounting for 23.4% of all mortgage complaints in Commerce Township, 132 of the complaints for being unable to pay were made regarding Bank of America, accounting for 97.8% or all but 3 complaints against them from the zip. 121 of the Bank of America responses in Commerce Township were closed with explanation and 12 were closed with non-monetary relief. 33071 in Coral Springs is different, with 537 of the 553 complaints being categorized under other. Only 11 complaints relate to foreclosure and issues with being able to pay. 92626 in Costa Mesa, where 32% of the mortgage complaints were about Bank of America and 26.4% were about Wells Fargo, had 93.6% of its complaints dealing with being unable to pay. 5 total complaints dealt with payment issues and 3 dealt with applications.

Beyond regional variance in complaint types lodged, the top five mortgage lenders by volume of complaints all had being unable to pay as their top complaint category, ranging between 55.8% for Citibank and 69.4% for Bank of America. Problems with payment accounted for the second largest area of complaints, with Ocwen having the largest percentage of complaints at 31.9% and Bank of America having the smallest at 18.8%. Foreclosure was the top area of complaints for a number of other lending institutions including 1st Alliance Lending, OneWest Bank, Ally Bank, Banco Popular de Puerto Rico, Bank of the West, BMO Harris, BOK Financial Corp, Caliber Home Loans, Inc, Capital One, Deutsche Bank and EverBank.

Nationally, complaints reached a high of 5,840 for January 2013, 1,107 more than the next highest month of April 2013. The total emerging for September is the second lowest since records were first kept in December 2011. On a state by state level, this pattern largely repeats with a major exception for Florida which saw a peak of 849 complaints in June 2012. Then, as now, Florida was one of the top five states in the nation in its foreclosure rate. The national January spike came as the Qualified Mortgage standard required by the The Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 came into play. It required mortgage lenders to take steps to insure borrowers could repay their mortgages.

Bank of America’s complaint volume follows the national trend, with a spike in January 2013 with 1,925 total complaints. Unlike nationally, the next month by volume of complaints was February of this year with 1,598 complaints. Prior to that, the highest month was May 2012 with 1,418 complaints. The lowest volume of complaints is September this year with 334.

Wells Fargo matched national trends for volume of complaints by month, with the exception of the current month being the lowest on record for number of complaints with 197 compared to the next lowest month, December 2011, when they had 221. JPMorgan’s complaint volume by month spiked in January and March of this year with 504 complaints. April of this year was the next highest month with 493 complaints, edging out May of last year with 488 complaints. September this year is on track to be the lowest month by complaint volume.

The federal government shutdown is unlikely to impact the current mortgage situation in the United States directly for most consumers, though mortgage processing by the Federal Housing Administration could be slower, resulting in fewer mortgages processed.

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